浙江中小房产企融资的困境及对策毕业论文.docVIP

浙江中小房产企业融资的困境及对策 摘要：近几年来，房地产在我国迅速发展，一度成为国内最热门的行业，但在房价飙升的过程中，呈现了不健康的发展。在国家严密的房地产调控政策，紧缩银根的货币政策下，作为资金密集型的房地产行业，融资难度日益加大，尤其是本就资金规模较小，缺少相应资质的中小型房产企业，面临着缺少稳定资金来源，资金流动不畅的困境。本文想要通过了解浙江房地产行业的基本融资情况，结合不同中小房产企业尝试的不同融资道路，借鉴国外中小企业的融资方式，为浙江中小房产企业提供一个有效的融资建议。 关键词：中小房产企业；融资；困境 对策 The Financing Difficulties and Countermeasures of Small and Medium-sized Real Estate Enterprises in Zhejiang Abstract: In recent years, the rapid development of real estate in China, became the most popular industry, but in the process of soaring house prices, showing an unhealthy development. Under strict national real estate control policies, monetary tightening monetary policy, as the capital-intensive real estate industry, the difficulty of financing growing wider, especially, the funds of small and medium-sized real estate enterprises is smaller and lack the appropriate qualifications, faced with the lack of stable sources of funding, the plight of poor liquidity. This article wants to understand the basic financing of the real estate industry in Zhejiang, combined with the different small and medium-sized real estate companies to try different financing road, draw foreign SMEs financing, and to provide an effective financing proposals for small and medium-sized real estate enterprises in Zhejiang. Key words: small and medium-sized real estate enterprises; financing; difficulties; countermeasures  目 录 1 引 言 1 2 综 述 1 2.1 国外研究 2 2.2 综合评价 2 3中小房地产企业融资的概念 3 3.1 中小房产企业的界定 3 3.2 中小房产企业融资的一般模式 3 3.3 中小房地产融资的必要性和意义 4 4浙江房地产行业融资现状分析 4 4.1融资难度加大，压力陡增 4 4.2中小房地产企业融资渠道单一 5 5 浙江中小房产企业面临的融资困境 5 5.1浙江中小房产企业融资的特征 5 5.2国家政策、金融市场下的融资困难 6 5.3浙江中小房产融资难成因分析 7 6 国外中小企业融资对浙江中小房产的借鉴 7 6.1国外中小企业采取的融资方式分析 7 6.2对浙江中小房产企业融资的借鉴 9 6.2.1政府应完善金融市场，扶持发展以服务中小企业为主的金融机构。 9 6.2.2 企业应注重内部积累，调整不良融资结构 9 7 面对融资困境的浙江中小企业的对策 9 7.1调整心态和思路，制定有效的资金利用方式 10 7.1.1降低资金成本 10 7.1.2控制工程成本 10 7.1.3合理使用销售推广费用 10 7.2 加强企业内部管理，走专业化道路，创品牌效益 11 7.2.1 加强企业内部管理 ，强化信用意识 11 7.2.2 走专业化道路是中小房地产开发企业的战略选择 11 7.3广开财路，多渠道解决资金问题 11 7.3.1坚持正规的传统融资方式为主 12 7.3